๋่James Fraser, you're a debt counsellor dealing with individuals. How do people manage to get into such a mess?
But there are plenty of jobs about, aren't there?
Oh dear. So what can you do, in a concrete sense, to help?
And what about the things they've bought on hire purchase,or with credit cards?
So do these problem mostly affect ordination working people then?
I see. And is there any other group which is particularly vulnerable?
So what did he do?